I have sometimes 40 Safari tabs on my 16gb iMac 24" and will still run out of memory with no large apps like Photoshop running. Doesn't happen often, but I don't think it should happen period.
One of the reasons I bought a 2015 iMac 27 with 32 GB of RAM 2 months ago. I could go up to 64 GB but it would be expensive.